Allow analytics cookies?

With your consent, we use Google Analytics to understand which pages and features are used. We do not send your calculator inputs or results. Your choice does not affect the calculators.

Privacy policy
Räkna.nu

Calculate your pension and compare – ITP1, ITP2, AKAP-KR

See estimated monthly pension and employer contributions. Start with ITP1, then compare ITP2, AKAP-KR, SAF-LO or a custom pension agreement.

Your information

ITP1 is selected. Enter birth year, salary, existing capital and retirement age. Open advanced settings to change agreements, compare or add state pension and private savings.

Your details

The year you were born, used to calculate years until retirement.

SEK

Assumed constant until retirement. ITP2 uses the separate pensionable annual salary.

SEK

Enter your actual occupational pension capital today. Change the payout period in advanced settings; the default is 20 years.

years

Your planned retirement age. Check the earliest withdrawal age and target age for your birth year.

Advanced settings
years

Capital is divided over your chosen 10–40 years without returns during payout; the default is 20. This is an illustrative fixed-term withdrawal, not an insurer’s lifelong pension. The separate lifelong ITP2 defined benefit is shown only at 65 assuming continued coverage. Enter actual existing capital; it is not reconstructed from current salary. Check contractual withdrawal ages and policy terms. For PA16, Valbar/Tjänste follow statutory earliest public pension age, while Flex can start at 63. Kåpan normally requires minimum terms of 10, 5 and 1 years respectively; one common term cannot describe every policy.

Choose your actual agreement. ITP1 is the default. ITP2 is shown at 65; your employer determines which agreement applies.

SEK

Use the minPension or Swedish Pensions Agency forecast for the same withdrawal age as this scenario. Enter 0 if state pension is not available at that age. Comparison uses age 65.

SEK

Amount you save each month for private retirement.

%

Assumed annual return before fees on pension capital and private savings. Does not affect the ITP2 defined benefit.

Results update instantly

Results

Example using default values

Pre-tax projection with an elective fixed-term capital payout. Tax on actual taxable pension in 2026 is calculated separately; private withdrawals such as ISK savings do not belong in taxable pension income.

ITP 1 · Retirement age: 65 · Expected return: 5.00%

Monthly occupational pension
SEK 3,953

Capital is divided over your chosen 10–40 years without returns during payout; the default is 20. This is an illustrative fixed-term withdrawal, not an insurer’s lifelong pension. The separate lifelong ITP2 defined benefit is shown only at 65 assuming continued coverage. Enter actual existing capital; it is not reconstructed from current salary. Check contractual withdrawal ages and policy terms. For PA16, Valbar/Tjänste follow statutory earliest public pension age, while Flex can start at 63. Kåpan normally requires minimum terms of 10, 5 and 1 years respectively; one common term cannot describe every policy.

Estimate, not a legal decision

Read methodology

Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.

Earlier pension savings are excluded

Capital is set to 0. Enter actual occupational pension capital, or only ITPK for ITP2, to include earlier savings.

Result details

Current monthly defined-contribution payment
SEK 1,710

Before fees, without flex pension or insurance. For ITP2 this is ITPK only, not the employer's individual cost of the defined benefit.

Projected occupational capital at withdrawal
SEK 948,783

Capital is divided over your chosen 10–40 years without returns during payout; the default is 20. This is an illustrative fixed-term withdrawal, not an insurer’s lifelong pension. The separate lifelong ITP2 defined benefit is shown only at 65 assuming continued coverage. Enter actual existing capital; it is not reconstructed from current salary. Check contractual withdrawal ages and policy terms. For PA16, Valbar/Tjänste follow statutory earliest public pension age, while Flex can start at 63. Kåpan normally requires minimum terms of 10, 5 and 1 years respectively; one common term cannot describe every policy.

Illustrative fixed-term payout (years)
20
Analysis & guidance

  • Start saving early

    The compound interest effect makes a big difference over time. Even small monthly amounts can have a large impact if you start saving early. The earlier you start, the less you need to save each month.

  • Use your personal forecast

    Pension as a share of final salary varies with your full working life, occupational pension and withdrawal age. Use your own forecast rather than a general percentage.

  • How the agreements differ

    Using 2026 thresholds, ITP1 and SAF-LO pay 4.5% up to SEK 52,125/month and 30% above. AKAP-KR uses 6% and 31.5%. ITP1 and AKAP-KR are capped here at SEK 208,500/month. ITP2 provides a final-salary benefit with up to 30 service years plus 2% into ITPK. Additional agreement contributions are excluded. AKAP-KR excludes transition supplements.

  • Retirement age depends on birth year

    Sweden no longer has one retirement age for everyone. Check the target age and earliest withdrawal for your birth year, then refresh your forecast when testing another age.

  • Follow up on your pension regularly

    Visit minpension.se to see your current pension rights. Information from state pension, occupational pension and private pension is collected there. Check your pension annually and adjust savings as needed.

About this calculator

Calculate your pension and compare – ITP1, ITP2, AKAP-KR

See estimated monthly pension and employer contributions. Start with ITP1, then compare ITP2, AKAP-KR, SAF-LO or a custom pension agreement.

ITP1 is selected. Enter birth year, salary, existing capital and retirement age. Open advanced settings to change agreements, compare or add state pension and private savings.

Does the calculator show my whole pension?

The basic view only estimates occupational pension under ITP1. For a broader picture, open advanced settings and add your state-pension forecast from minPension or the Swedish Pensions Agency and any private monthly savings. Salary alone cannot determine your state pension.

Calculate ITP1 contributions from your salary

In 2026 the basic ITP1 contribution is 4.5% of monthly salary up to SEK 52,125 and 30% on the slice between SEK 52,125 and SEK 208,500. A SEK 60,000 salary gives SEK 4,708 in monthly contributions: 52,125 × 0.045 + 7,875 × 0.30. Contributions are different from the pension you receive each month. This calculator estimates that pension from actual existing capital, future contributions and assumed returns. Collectum.

How the agreements differ

Using 2026 thresholds, ITP1 and SAF-LO pay 4.5% up to SEK 52,125/month and 30% above. AKAP-KR uses 6% and 31.5%. ITP1 and AKAP-KR are capped here at SEK 208,500/month. ITP2 provides a final-salary benefit with up to 30 service years plus 2% into ITPK. Additional agreement contributions are excluded. AKAP-KR excludes transition supplements.

How do I compare ITP1, ITP2 and AKAP-KR?

Open advanced settings and enable comparison. Agreements are shown at the same retirement age, 65. Enter separate pensionable annual salary, ITPK capital and expected total ITP2 service. These are comparable scenarios; your employment and collective agreement determine your actual plan.

All rows share salary, return, state pension and private savings. ITP2 uses separate annual salary, service years and ITPK capital. These are agreement scenarios, not a forecast of switching plans. Capital payments end after the selected payout period (20 years by default); the ITP2 defined benefit continues for life.

ITP2 is calculated at age 65

Assumes standard ITP2 and continued coverage until 65. Alternative ITP, paid-up policies, salary-increase restrictions and special rules are excluded. Check your personal amount with Alecta or minPension. Avtalat.

Occupational pension capital today

Enter actual defined-contribution capital. Used for ITP1, SAF-LO, AKAP-KR and the custom model, not ITP2.

More working years can allow more growth, but standard contributions stop at 66 for ITP1 and 65 for SAF-LO and ITPK. AKAP-KR pays 6% after 69 in continuing employment. Age is estimated in whole years from birth year. Capital is spread over the selected term (20 years by default); the ITP2 defined benefit is calculated only at 65 and is lifelong. Update the state-pension forecast in minPension too.

Estimate before tax with constant salary and 2026 thresholds. Defined-contribution capital and private savings are spread over the selected term (20 years by default); the ITP2 defined benefit is lifelong. Fees, inflation, mortality credits and extra agreement contributions are excluded. Amounts are nominal, with no assumed return during the selected payout period (20 years by default).

An ITP1 scenario at 65: born in 1985, monthly salary SEK 38,000, existing pension capital SEK 410,400, private monthly savings SEK 500, 5% return and a SEK 15,000 state-pension forecast. Monthly contributions are SEK 1,710. Capital and future contributions are projected until 65 and spread over the selected term (20 years by default). Compare agreements and enter separate ITPK capital and expected ITP2 service years.

PA16 I – 2026

PA16 Section I normally covers people born from 1988 and has no upper salary cap. The selectable part is 2.5% up to SEK 52,125/month and 20% above; Kåpan Tjänste uses 2% and 10%. Flex is 1.6% in January–September and 1.7% from October 2026. At SEK 60,000 salary from October the parts are 2,878.13 + 1,830 + 1,020 = SEK 5,728.13/month. Accrual stops before age 69. The selected period’s rates and 2026 thresholds stay fixed in this projection, without reconstructing past premiums or predicting agreement changes.

Illustrative fixed-term capital payout (years)

Capital is divided over your chosen 10–40 years without returns during payout; the default is 20. This is an illustrative fixed-term withdrawal, not an insurer’s lifelong pension. The separate lifelong ITP2 defined benefit is shown only at 65 assuming continued coverage. Enter actual existing capital; it is not reconstructed from current salary. Check contractual withdrawal ages and policy terms. For PA16, Valbar/Tjänste follow statutory earliest public pension age, while Flex can start at 63. Kåpan normally requires minimum terms of 10, 5 and 1 years respectively; one common term cannot describe every policy.

Tax on known pension in 2026

Tax mode uses separately entered known taxable pension and official Swedish monthly tax tables for 2026. Pension column 6 applies below age 66 on January 1 and column 2 from age 66. Municipality and optional church fee select the table. Employment tax credits are not applied to pension. A dash means table data is unavailable. This is preliminary withholding for a pension-only main-income scenario, not final tax, multiple payers’ deductions or future forecast tax. Age means the start of 2026, not your projected retirement age.

SPV – PA16 I SPV – Kåpan Flex 2026 Skatteverket 2026 Kåpan Valbar

How the calculation works

Calculate ITP1 contributions from your salary

In 2026 the basic ITP1 contribution is 4.5% of monthly salary up to SEK 52,125 and 30% on the slice between SEK 52,125 and SEK 208,500. A SEK 60,000 salary gives SEK 4,708 in monthly contributions: 52,125 × 0.045 + 7,875 × 0.30. Contributions are different from the pension you receive each month. This calculator estimates that pension from actual existing capital, future contributions and assumed returns.

The three pension pillars in Sweden

Use the minPension or Swedish Pensions Agency forecast for the same withdrawal age as this scenario. Enter 0 if state pension is not available at that age. Comparison uses age 65. Pre-tax projection with an elective fixed-term capital payout. Tax on actual taxable pension in 2026 is calculated separately; private withdrawals such as ISK savings do not belong in taxable pension income.

How the agreements differ

PA16 Section I normally covers people born from 1988 and has no upper salary cap. The selectable part is 2.5% up to SEK 52,125/month and 20% above; Kåpan Tjänste uses 2% and 10%. Flex is 1.6% in January–September and 1.7% from October 2026. At SEK 60,000 salary from October the parts are 2,878.13 + 1,830 + 1,020 = SEK 5,728.13/month. Accrual stops before age 69. The selected period’s rates and 2026 thresholds stay fixed in this projection, without reconstructing past premiums or predicting agreement changes. Capital is divided over your chosen 10–40 years without returns during payout; the default is 20. This is an illustrative fixed-term withdrawal, not an insurer’s lifelong pension. The separate lifelong ITP2 defined benefit is shown only at 65 assuming continued coverage. Enter actual existing capital; it is not reconstructed from current salary. Check contractual withdrawal ages and policy terms. For PA16, Valbar/Tjänste follow statutory earliest public pension age, while Flex can start at 63. Kåpan normally requires minimum terms of 10, 5 and 1 years respectively; one common term cannot describe every policy.

Example: calculate monthly pension

An ITP1 scenario at 65: born in 1985, monthly salary SEK 38,000, existing pension capital SEK 410,400, private monthly savings SEK 500, 5% return and a SEK 15,000 state-pension forecast. Monthly contributions are SEK 1,710. Capital and future contributions are projected until 65 and spread over the selected payout period (20 years by default). Compare agreements and enter separate ITPK capital and expected ITP2 service years.

FAQ

Does the calculator show my whole pension?

The basic view only estimates occupational pension under ITP1. For a broader picture, open advanced settings and add your state-pension forecast from minPension or the Swedish Pensions Agency and any private monthly savings. Salary alone cannot determine your state pension.

Is the result guaranteed?

No. This is a simplified projection based on your assumptions. Real outcomes depend on returns, rules, fees, inflation, and your future income.

How does retirement age affect the result?

More working years can allow more growth, but standard contributions stop at 66 for ITP1 and 65 for SAF-LO and ITPK. AKAP-KR pays 6% after 69 in continuing employment. Age is estimated in whole years from birth year. Capital is spread over the selected payout period (20 years by default); the ITP2 defined benefit is calculated only at 65 and is lifelong. Update the state-pension forecast in minPension too.

How can I improve my future pension?

Common levers are saving more privately, working longer, checking your occupational pension agreement, and choosing a realistic return assumption.

Does this include tax, fees, or inflation?

Tax mode uses separately entered known taxable pension and official Swedish monthly tax tables for 2026. Pension column 6 applies below age 66 on January 1 and column 2 from age 66. Municipality and optional church fee select the table. Employment tax credits are not applied to pension. A dash means table data is unavailable. This is preliminary withholding for a pension-only main-income scenario, not final tax, multiple payers’ deductions or future forecast tax. Age means the start of 2026, not your projected retirement age.

How do I calculate ITP1 from my salary?

In 2026 the basic ITP1 contribution is 4.5% of monthly salary up to SEK 52,125 and 30% on the slice between SEK 52,125 and SEK 208,500. A SEK 60,000 salary gives SEK 4,708 in monthly contributions: 52,125 × 0.045 + 7,875 × 0.30. Contributions are different from the pension you receive each month. This calculator estimates that pension from actual existing capital, future contributions and assumed returns.

How do I compare ITP1, ITP2 and AKAP-KR?

Open advanced settings and enable comparison. Agreements are shown at the same retirement age, 65. Enter separate pensionable annual salary, ITPK capital and expected total ITP2 service. These are comparable scenarios; your employment and collective agreement determine your actual plan.

How to read this calculator

These results are meant as guidance. They are based on rules, assumptions, and simplified models that can differ from your exact real-world situation.

Estimate, not a legal decision

Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.

Methodology

Each calculator uses defined inputs, assumptions, and logic. We explain the broader approach on the methodology page.

Read methodology

Sources and updates

Important calculators should be traceable back to official rules, public guidance, or other clearly stated references.

Read about sources

Official sources and forecast

Last reviewed
Rules effective from
Rule set
Simplified Swedish pension estimate for 2026

Important limitations

  • The result is an estimate
  • Your individual facts can change the outcome
  • Rates and rules can change
  • A collective agreement may override statutory levels
Verify with the responsible authority or service

Continue calculating

Salary exchange (löneväxling) calculatorUse Salary exchange (löneväxling) calculator to compare the next part of the same scenario.Calculate salary exchangeHousehold budget calculator – monthly money leftUse Household budget calculator – monthly money left to compare the next part of the same scenario.Build a household budgetISK Flat-Rate Tax (2026) with Tax-Free AllowanceUse ISK Flat-Rate Tax (2026) with Tax-Free Allowance to compare the next part of the same scenario.Open ISK tax calculator